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10/03/ · Negotiators agree on modalities for treatment of autonomous liberalization. The. За извършване на неотложни обществено необходими работи по възстановяване на. При этом школа имеет право взимать плату лишь за некоторые дополнительные Вряд ли в. Гражданский брак у большинства людей ассоциируется с чем-то нестабильным и не имеющим под. Riegle-Neal Interstate Banking and Branching Efficiency Act of September Signed into law by President Bill Clinton in September , the law removed.

The Riegle-Neal Interstate Banking and Branching Efficiency Act of removed many of the restrictions on opening bank branches across state lines.

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These restrictions were largely the result of the McFadden Act in and other laws that attempted to address long-standing concerns about the concentration of financial activity and worries that large banking organizations operating in multiple states could not be adequately supervised.

In addition, the act allowed banking organizations to acquire banks in any other state under a uniform, nationwide standard. Throughout the s and early s federal lawmakers launched several efforts to remove the interstate branching prohibitions, but their proposals failed, due in part to opposition from a coalition of small banks and insurance companies.

The banks feared they would face a competitive disadvantage once large financial institutions entered their markets, and insurance companies were concerned about new competition from banks that had begun to offer insurance products to their customers. However, starting in the early s some states began whittling away at the restrictions on interstate banking and made changes to their own laws that permitted out-of-state banks to enter their states under specific conditions.

Through Bentsen, the Clinton administration made clear that it would support moving away from the current patchwork system, and the work of writing a new law to allow for uniformity at the federal level fell to Sen.

One of the main proponents of the new interstate banking reform effort was Hugh L. During a speech in Little Rock, Ark.

Amid this push for the removal of interstate banking restrictions, the opposition from small banks was not as vocal as it had been in earlier legislative attempts because of new concessions the smaller institutions won. The American Bankers Association had worked with more than one hundred bankers to come to an agreement on a measure that would give states the ability to opt out of any new federal interstate banking legislation related to interstate branching.

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In addition, smaller banks pushed for, and received, a provision that would allow states to limit interstate entry to the acquisition of existing banks and also set a minimum age requirement of up to five years for the banks that could be acquired. According to media accounts of the time, a few smaller banks still opposed the measure. Echoing past concerns, a spokesman for the Independent Bankers Association of America worried the law would result in more financial industry concentration.

Despite these concerns, the bill received wide bipartisan support. As passed, the Riegle-Neal Interstate Banking Act of provided for uniform branching and interstate acquisition rules for the entire country.

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These new rules included the following:. While its supporters touted the benefits of the Riegle-Neal Act for bank customers, the law also marked a new period of banking deregulation that would later include the removal of the barriers between commercial and investment banking with the Gramm-Leach-Bliley Act of No states had such laws at the time the Bank Holding Company Act was passed, but some form of interstate entry law was adopted in nearly every state between the early s and the passage of the Riegle-Neal Act.

The McFadden Act of and its amendments confined national banks to branching within their own state and only to the same extent state banks could branch.

Bradsher, Keith. Chaddock, Gail Russell.

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  • These new rules included the following: Bank holding companies that were well-managed and well-capitalized would be allowed to acquire banks in any state after September 29, Bank holding companies could merge banks located in different states into a single branch network after June 1, Only Montana and Texas decided to opt-out initially, but both states eventually agreed to allow interstate branching.

    Bibliography Bradsher, Keith. Related Links Text of Act.